Hi "Virgin" , welcome to OST :-) Depeneding on your risk profile and whether or not you want to hold FSR as a long term investment. If so, i will wait for possibly further pullback and buy closer to R19,10 or even cheaper. As a long term investment, P/E is reasonable and company has a good management structure, however it seems that the banking sector is being treated as the "whipping boys" of late. Case in point was yesterday trading.